Comparing car insurance through online providers can be fast and easy, plus you can save money. The most important part is to take the time to get as many rate quotes as possible in order to accurately compare the lowest priced insurance.

If you've never shopped for car insurance online, you may be overwhelmed by the hoards of car insurance companies offering insurance. There are several ways to get quotes from different insurance companies. The best method to find the cheapest involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Car insurance premiums for a 2000 can vary widely depending on several factors. Including but not limited to:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• The deductible you choose
• Crash test rating for your 2000
• Your occupation
• The level of coverage
• Home ownership saves money

An additional factor that can impact is the year of the vehicle. Used vehicles have a lower value than newer models so repair costs tend to be lower which may result in lower rates. Conversely, more recent vehicles may have safety features such as all-wheel drive, a telematics system, and autonomous braking which can help offset higher rates.

Liability auto insurance - This coverage will cover damage or injury you incur to other people or property. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so you should buy higher limits if possible.

Collision coverage - This coverage will pay to fix damage to your caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in. 2000 collision insurance is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) - Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Personal Injury Protection is only offered in select states and may carry a deductible.